Benchmark $474/mo · ranked 3 of 21 · median wage $50,510
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The benchmark premium for a 40-year-old in Indiana is $474 a month for 2026, ranking 3 of 21 states published here. BLS reports a median annual wage of $50,510 for Insulation Workers, Floor, Ceiling, and Wall in Indiana.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation is below the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Insulation Workers, Floor, Ceiling, and Wall (SOC 47-2131) in Indiana. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed insulation contractor. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $58,870 | below |
| 2 | Virginia | $455 | $44,290 | below |
| 3 | Indiana | $474 | $50,510 | below |
| 4 | Nevada | $497 | $61,920 | below |
| 5 | Ohio | $513 | $56,640 | below |
| 6 | Michigan | $523 | $45,700 | below |
| 7 | Colorado | $557 | $48,630 | below |
| 8 | South Carolina | $564 | $45,880 | below |
| 9 | Oklahoma | $604 | $45,730 | below |
| 10 | Wisconsin | $611 | $54,640 | below |
| 11 | Georgia | $615 | $45,900 | below |
| 12 | North Carolina | $638 | $45,150 | below |
| 13 | Utah | $640 | $48,330 | below |
| 14 | Alabama | $645 | $47,260 | below |
| 15 | Illinois | $646 | $49,840 | below |
| 16 | South Dakota | $655 | $40,190 | below |
| 17 | Texas | $661 | $48,010 | below |
| 18 | Kansas | $670 | $46,710 | below |
| 19 | Florida | $683 | $48,350 | below |
| 20 | Nebraska | $710 | $44,560 | below |
| 21 | Arkansas | $774 | $45,220 | below |
This page compares states. For Indiana specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.
← Insulation Contractors in all states · All trades · All occupations
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Indiana loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 4 filing here. For Insulation Contractors that is a forced decision, and a better one made in November than in January.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Indiana rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Indiana and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
One thing 2027 will not fix: no PPO is sold anywhere in Indiana. All 92 counties offer HMO, EPO or POS only, so care outside the network is effectively emergency-only. If your work as an insulation contractor crosses county lines, weigh that above the premium.
You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made in August than in the second week of December.
Give me a ZIP and I will tell you three things:
Most Insulation Contractors here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Indiana.